SIREN : 814372256
PENVERN HABITAT is a French company founded 10 years ago, specialized in the sector Construction de maisons individuelles. Based in LANDIVISIAU (29400), this company of category PME shows in 2025 a revenue of 3.8 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 824 269 € | 4 096 939 € | 3 311 509 € | 3 431 933 € | 2 423 745 € | 2 156 364 € | 2 596 922 € | 1 438 005 € | 1 241 015 € | 268 408 € |
| Net income | 71 706 € | 269 047 € | 83 165 € | 45 738 € | 60 132 € | 56 545 € | 49 171 € | 3 488 € | 52 838 € | 6 238 € |
| EBITDA | 108 400 € | 356 841 € | 130 014 € | 80 371 € | 92 329 € | 80 727 € | 78 788 € | 9 354 € | 71 619 € | 7 625 € |
| Net margin | 1.9% | 6.6% | 2.5% | 1.3% | 2.5% | 2.6% | 1.9% | 0.2% | 4.3% | 2.3% |
In 2025, PENVERN HABITAT achieves revenue of 3.8 M€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +34.3%. Slight decline of -7% vs 2024. After deducting consumption (873 k€), gross margin stands at 3.0 M€, i.e. a rate of 77%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 108 k€, representing 2.8% of revenue. Warning negative scissor effect: despite revenue change (-7%), EBITDA varies by -70%, reducing margin by 5.9 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 72 k€, i.e. 1.9% of revenue. This profit can be retained or distributed to shareholders.
3 824 269 €
2 951 319 €
108 400 €
97 349 €
71 706 €
2.8%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 52%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 2.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
0.009%
52.444%
2.343%
0.001
31.1%
In 2025, the debt ratio of PENVERN HABITAT (0.01) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2025, the financial autonomy of PENVERN HABITAT (52.4%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2025, the repayment capacity of PENVERN HABITAT (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 367.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 2.3x. Financial charges are adequately covered by operations.
367.522
2.261
In 2025, the liquidity ratio of PENVERN HABITAT (367.52) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2025, the interest coverage of PENVERN HABITAT (2.3x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 22 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 22 days. Inventory turnover is 15 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 17 days of revenue, i.e. 181 k€ to permanently finance. Over 2016-2025, WCR increased by +361%, requiring additional financing.
180 773 €
22 j
22 j
15 j
17 j
Based on 113 transactions of similar company sales (all years), the value of PENVERN HABITAT is estimated at 359 575 € (range 174 439€ - 883 238€). With an EBITDA of 108 400€, the sector multiple of 3.6x is applied. The price/revenue ratio is 0.11x (conservative valuation). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
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This estimate is based on the analysis of 113 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare PENVERN HABITAT with other companies in the same sector:
Voir toutes les statistiques du secteur Construction de maisons individuelles
The revenue of PENVERN HABITAT in 2025 is 3.8 M€.
Yes, PENVERN HABITAT generated a net profit of 72 k€ in 2025.
The headquarters of PENVERN HABITAT is located in LANDIVISIAU (29400), in the department Finistere.
The tax return of PENVERN HABITAT is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).
PENVERN HABITAT operates in the sector Construction de maisons individuelles (NAF code 41.20A). See the 'Sector positioning' section above to compare the company with its competitors.